5-7-9 % Loans

The program provides for simplification of access of enterprises to bank lending - namely, the opportunity to receive a loan at a reduced interest rate through state compensation of interest rates to the level of 5%, 7% and 9% per annum for loans in national currency.

Pivdenny Bank is an Authorized Bank of the Entrepreneurship Development Fund for participation in the State Program "Affordable Loans 5-7-9%”. The program is implemented with the support of the President and the Government of Ukraine.

Program objectives

  • Investment
  • Replenishment of working capital


  • Legal entities and individual entrepreneurs (residents of Ukraine)
  • Borrower and ultimate beneficial owner are are residents of Ukraine
  • The total amount of state support received under any program during a three-year period may not exceed the equivalent of EUR 200,000 (during martial law, the limitation of the amount of state support does not apply)
  • Compensation interest rate (rate for the client) depends on the purpose of financing, the amount of annual income from business activities and from the number of jobs created.


Investment goals

Funding of working capital

Annual interest rate (for the client)




Interest rate in priority sectors:




Restoration of destroyed business and production facilities damaged as a result of the Russian military aggression




Prolongation of active loans of enterprises that are doing business or whose production facilities are located in the regions affected by hostilities/temporarily occupied territories




Annual income of the borrower

less than €10 mln

over €10 mln

All the segments

*with the option to reduce to annual rate 5% (for creation of 2 new vacancies), quarterly review of the interest rate

** with the option to reduce to annual rate 0,5 % for each new vacancy (but not less than annual rate 7%), quarterly review of the interest rate